Savings CalculatorInvestment
Balance = initial savings compounded monthly + monthly deposits compounded at the savings rate
Enter starting balance, monthly savings, interest rate, and duration to see total savings growth.
Open calculator →Methodology
How beMyCalc builds, tests, and documents all 123 calculators — formulas, data sources, and assumptions.
Jump to all calculator formulas →
Calculations run in your browser
When you move a slider or type an amount, the math runs locally in your browser. We do not send loan balances, salaries, or investment amounts to our servers. Share links encode your inputs in the URL so you can bookmark or send a scenario — treat shared URLs like any link that contains personal numbers.
Standard formulas
Most tools use widely published financial math: reducing-balance EMI amortization, compound interest, SIP future value, CAGR, present/future value, and similar textbook formulas. Below you'll find every calculator with its formula and a link to the live tool. Each calculator page also has a "How we calculate" panel with the same equation.
India tax & government schemes
India income tax, HRA, and regime-compare tools use slab rates and deductions documented for FY 2024-25 (AY 2025-26). PPF, NPS, SSY, NSC, and similar scheme calculators let you enter the notified interest rate — we do not hard-code a single live government rate unless the tool explicitly states one as a default example.
Scheme limits (80C cap, PPF yearly maximum, etc.) follow commonly cited rules at the time of the last review. Indian rules change in Union Budgets and notifications — always confirm with the Income Tax portal, EPFO, or your chartered accountant before filing or investing.
Currency exchange rates
The currency converter fetches indicative mid-market rates from the Frankfurter API (European Central Bank reference data), cached for about an hour. Banks and card networks apply their own spreads and fees — use the exchange calculator to model fees separately.
Worked examples & guides
Calculator pages show sample scenarios (e.g. ₹10L loan at 8.5% for 20 years). These are illustrations to explain the tool, not recommendations. Guides on /guides link to calculators so you can replace example numbers with your own.
How we update tools
- India tax slabs and standard deductions when a new financial year is notified.
- Default example rates when major scheme notifications change.
- Formula bugs reported via contact or on-page "Report an issue" links.
- New calculators when user demand and formula clarity justify a dedicated tool.
Report an error
Found a wrong formula, outdated slab, or broken share link? Use our contact form with the calculator URL and your expected result.
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All calculator formulas
123 tools — showing 101–120
All calculators (123)India tax & schemes (18)Investment (13)Loans (14)Interest (2)Deposits (8)Retirement (7)Returns (4)Salary & Payroll (9)Tax (8)Property & Real Estate (5)Trading & Investing (11)Business (4)Currency (2)Budgeting & Planning (3)Health & Wellness (5)Converters (13)Everyday Tools (15)
Savings Goal CalculatorInvestment
Required monthly savings = (Goal − FV of current savings) / [((1 + r)^n − 1) / r]
Enter goal amount, current savings, expected return, and timeline to find required monthly contribution.
Open calculator →Maturity = P × (1 + r/4)^(4×t) with quarterly compounding over the SCSS tenure
Enter SCSS deposit and interest rate. Interest compounds quarterly over the 5-year tenure (extendable once by 3 years in real accounts).
Open calculator →Simple Interest CalculatorInterest
Interest = P × r × t; Amount = P + Interest, where P = principal, r = annual rate, t = time in years
Simple Interest = Principal × Rate × Time / 100. Enter these values to get interest amount and total sum.
Open calculator →SIP CalculatorInvestment
FV = P × [((1 + r)^n − 1) / r] × (1 + r), where P = monthly SIP, r = monthly rate, n = months
Enter your monthly SIP amount, expected annual return rate, and investment duration. The calculator uses compound interest on monthly contributions to project your total investment, returns, and maturity value.
Open calculator →SIP FV uses compound growth on monthly deposits; FD/PPF use their respective compounding rules side by side
Enter monthly investment amount, expected SIP return, FD rate, PPF yearly deposit and rate. We project maturity values and highlight the best option.
Open calculator →SIP vs Lumpsum CalculatorInvestment
Lumpsum FV = P × (1 + r)^n; SIP splits the same total P into equal monthly installments with the standard SIP formula
Enter total amount, expected return, and years. Lumpsum invests all on day 1; SIP splits the same total into equal monthly installments.
Open calculator →Speed ConverterConverters
result = input × (factor_from ÷ factor_to) relative to the SI base unit for this type
Speed converts through metres per second. 1 km/h = 0.277778 m/s, 1 mph = 0.44704 m/s, 1 knot = 0.514444 m/s.
Open calculator →Yearly SSY deposits compound at the notified rate; maturity when the account completes its 21-year tenure
Enter yearly deposit (up to ₹1.5 lakh), current SSY interest rate, and tenure (15–21 years). Returns compound annually like PPF until maturity when the girl child turns 21.
Open calculator →Staking Rewards CalculatorTrading & Investing
Rewards = Amount × (1 + APY/365)^days − Amount (daily compounding)
Rewards compound daily: Total = Amount × (1 + APY/365)^days − Amount.
Open calculator →Step Up SIP CalculatorInvestment
Monthly SIP increases by step-up % each year; each installment compounds monthly at the expected return
Enter starting monthly SIP, annual step-up %, expected return, and investment period. Each year your SIP increases before monthly compounding is applied.
Open calculator →Stock Average CalculatorTrading & Investing
Average price = Σ(quantity × price) / Σ quantity across all purchase lots
Enter quantity and buy price for up to three purchase lots. Average price = total cost / total quantity across all lots.
Open calculator →Stock Profit CalculatorTrading & Investing
Profit = (Sell price − Buy price) × Shares; Return % = Profit / (Buy price × Shares) × 100
Profit = (Sell Price − Buy Price) × Shares. Return % = Profit / Cost × 100.
Open calculator →SWP CalculatorInvestment
Balance each month = (Previous balance − withdrawal) × (1 + monthly return); runs until corpus depletes or tenure ends
Enter total corpus, monthly withdrawal amount, expected annual return, and see how long funds last or remaining balance.
Open calculator →Take Home Salary CalculatorSalary & Payroll
Take-home = Gross salary − income tax − employee contributions (PF, insurance, etc.)
Enter gross monthly salary and all deduction percentages and fixed amounts. The calculator shows itemized deductions and your net take-home pay.
Open calculator →TDS = gross amount × TDS rate / 100; net amount = gross − TDS
Enter gross payment amount and TDS rate (%). TDS = gross × rate / 100; net amount = gross − TDS. Use the rate applicable to your payment section (194A, 194C, etc.).
Open calculator →Temperature ConverterConverters
Convert via Kelvin: K = °C + 273.15; °F = (°C × 9/5) + 32; °R = K × 9/5
Temperature uses offset formulas (not simple ratios). We convert through Kelvin: °F = (°C × 9/5) + 32, K = °C + 273.15.
Open calculator →Time CalculatorEveryday Tools
Result minutes = startHour×60 + startMin + addHours×60 + addMin; wrap modulo 24×60 with day offset
Set a start time (HH:MM) and enter hours and minutes to add or subtract. Results wrap past midnight and show any day offset.
Open calculator →Tip CalculatorEveryday Tools
Tip = bill × tip% ÷ 100; Total = bill + tip; Per person = total ÷ number of people
Enter the bill amount, pick a tip percentage (or drag the slider), and choose how many people split. We add the tip and show total and per-person amounts.
Open calculator →VAT = Net price × VAT rate / 100; Gross price = Net + VAT
Enter the amount, VAT rate, and whether the price is VAT-exclusive or VAT-inclusive to calculate net price, VAT amount, and total.
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